If you're in the market for an Allmand 31, that suggests to me that your budget would suit a Catalina 30, which is a much better boat for SF Bay. Get the deep keel.

Beyond that, generally speaking, I would want a boat that is stiff, sea-kindly, and one where the sail plan is easy to adapt to the large changes in wind strength (Sunday we had 8 kts south of the Bay Bridge, 22 kts gusting to 30 in the slot, zero to 8 in the Oakland estuary).